Business constructs

ABSTRACT

Various systems, processes, tools and techniques are provided for managing and processing data within a computing environment including a data warehouse component. Certain embodiments of the business construct of the invention can provide an interim stage for mapping data prior to loading the data into the data warehouse. When embodied as standard interface files, each of the business constructs can represent a business object that is of importance to a corporate entity or other enterprise.

FIELD OF THE INVENTION

The invention generally relates to systems, processes, tools, techniques and strategies for processing information within a computer system architecture. In various embodiments, the invention more particularly relates to processing information within a computing environment operatively associated with a data warehouse.

BACKGROUND

Every corporate organization stores and processes data that is important to the needs and objectives of its customers. The organization may employ various kinds of computer systems to process data and other information based on interaction between the customer and the organization as well as business events that impact the customer.

There are many obstacles that face financial entities as they attempt to manage high volumes of data often collected from multiple sources. For example, credit and liquidity market conditions can drive regulatory and investor demands for accurate and complete information. Also, the pace at which corporate mergers and acquisitions often occur can influence the need for aggregated and properly integrated credit, financial, and customer information. In addition, holistic cross-enterprise information is critical for addressing various operational requirements of financial entities such as Basel II requirements, risk assessments (e.g., credit, market, counter party, and operational risks), balance sheet management, stress analysis and testing, and many others.

In view of the foregoing issues, enhanced tools, techniques and strategies are needed for processing, managing, and communicating business data within a corporate entity.

BRIEF DESCRIPTION OF THE FIGURES

The utility of the embodiments of the invention will be readily appreciated and understood from consideration of the following description of the embodiments of the invention when viewed in connection with the accompanying drawings, wherein:

FIGS. 1A and 1B schematically illustrate of examples of a system and process flow structured in accordance with certain embodiments of the invention;

FIGS. 2A and 2B schematically depict an example of a business construct structured in accordance with certain embodiments of the invention;

FIGS. 3A through 3D schematically depict an example of a business construct structured in accordance with certain embodiments of the invention;

FIGS. 4A through 4L schematically depict an example of a business construct structured in accordance with certain embodiments of the invention;

FIGS. 5A through 5H schematically depict an example of a business construct structured in accordance with certain embodiments of the invention;

FIG. 6 includes a tabulation illustrating certain aspects of business constructs structured in accordance with certain embodiments of the invention;

FIG. 7 schematically illustrates examples of attributes of business constructs structured in accordance with certain embodiments of the invention;

FIG. 8 includes a diagram illustrating an example of how business constructs support data relationships within an entity; and,

FIG. 9 includes a diagram illustrating an example of how business constructs represent data for different business objects of an entity.

DESCRIPTION

Various embodiments of the invention provide enhanced processes, methods, tools, strategies, and techniques for more effectively and efficiently processing, managing, and communicating data and other information within a computing environment. In certain embodiments, the invention can provide beneficial enhancements to a computing environment including a corporate information factory, for example, and a data warehouse component. As described below, business constructs can be structured and implemented as components which improve performance and effectiveness of a data warehouse logical architecture.

As those skilled in the art will appreciate, a corporate information factory (or “CIF”) can be considered a logical computing architecture that serves to deliver business intelligence and business management capabilities in response to data supplied by the various operational aspects of an entity, such as a financial service provider. The CIF provides a stable technical architecture that can be implemented in entities of different sizes and can be useful for building strategic and tactical decision support and business intelligence capabilities. The CIF may be used as an architecture for warehousing the operational data and other information that is employed by an entity. The fundamental implementation principles of a CIF can include orientation of the business intelligence environment; sourcing data from an operational systems environment and external data stores; storing data in both the data warehouse and operational data store in an enterprise view format; supplying data to users through data marts, for example, or other storage components customized for the needs of the users and their separate applications; and, providing metadata management for the computing environment.

In certain embodiments, a CIF may include various architectural components, each with a functional purpose. Examples of these architectural components include operational systems or core systems that execute periodic business operations and record business data. Also, the CIF may include integration and transformation processes (which may be referred to as “ETL” or “extract-transformation-load” processes) that convert operational data into an ordered format for use by a data warehouse component. A data warehouse can be included in the CIF and programmed to deliver a standard view of enterprise data which is independent of how it will subsequently be used by consumers. An operational data store of the CIF may be programmed to supply a common view of enterprise data for operational processing or tactical decision making. The CIF may also include one or more data delivery processes that provide functionality for requesting, prioritizing and monitoring data mart creation and refinement. Various data marts within the CIF can be programmed to support a variety of analytical and reporting requirements of a given business unit or business function. Also, metadata within the CIF can be used to provide the information necessary to promote data legibility, use and administration.

FIGS. 1A and 1B illustrate examples of systems and processes involving an enterprise information platform 102 associated with an entity such as a financial services provider, for example. The logical architecture of the enterprise information platform may be based on the CIF model (as described above) and may include various standard CIF components. In various embodiments, the enterprise information platform 102 may include one or more business constructs 104A-104Z, which can be implemented as a standard interface file (or “SIF”) as an architectural component of the CIF logical architecture. In various embodiments, the business constructs 104 can be embodied as software or other programming instructions that execute the functions of a computer system or other processor. Each business construct may be programmed to define one or more data attributes of an object of importance to an entity or corporation. As shown in FIG. 1, examples of the business constructs 104 include “customers” (104A), “revolving loans” (104B), “installment loans” (104C), “mitigants” (104F), and various other kinds of business constructs. In various embodiments, each business construct 104 can be programmed to map, organize, and/or integrate organized and unorganized data managed by one or more data sources or data source systems 106A-106T, for example, into a format that can be used by other components of the computing environment. Examples of data source systems include operational data systems such as general ledger (GL); customer information files (CIFs); loan processing systems; credit card systems (FDR); mortgage systems (MSP); installment loan systems (ILS); underperforming mortgage systems (HLS); asset systems (ACLS and ACBS for commercial lending and business lending, respectively); lease systems (NC4); dealer floor plan systems; construction loans; deposit systems like deposit in DDA savings; safe deposit systems; capital or trading asset systems; capital market systems; and many others.

In other aspects, one or more data marts 108A-108G may be configured to receive data derived from the business constructs 104. In operative association with the data marts 108, one or more analytic engines 110A-110F may implement SIF-derived data stored in the data marts to perform various calculations and other analyses for a financial entity, for example. As shown, one or more different types of reports 112A-112E can be generated in connection with the calculations performed by the analytic engines 110.

An example of a customer type of SIF or business construct is illustrated (in spreadsheet format for convenience of disclosure) in FIGS. 2A and 2B. An example of a customer credit rating SIF or business construct is illustrated (in spreadsheet format for convenience of disclosure) in FIGS. 3A-3D. An example of an installment loans SIF or business construct is illustrated (in spreadsheet format for convenience of disclosure) in FIGS. 4A-4L. An example of a commercial loans SIF or business construct is illustrated (in spreadsheet format for convenience of disclosure) in FIGS. 5A-5H.

It can be appreciated that the structure and implementation of the business constructs can provide integration of data as a preliminary step prior to loading an enterprise data warehouse data model. The business construct may be implemented early in the data warehouse life cycle (e.g., as the first step in the integration and transformation process). As shown in FIG. 1, a staging SIF (business construct) 122 may be used as an interface between the enterprise information platform 102 and one or more of the plurality of data sources 106. This allows ETL mapping processes to be conducted more efficiently and more quickly. Also, when the corporate entity encounters significant changes in its operative association with the source data systems 106, such as in the case of a business merger, acquisition, or other business process reengineering effort, business constructs 104 can provide a layer of abstraction from the underlying changing source systems. This can help to accelerate the integration of information from new data sources 106 into the environment of the enterprise information platform 102.

In various embodiments, source system formatted data may or may not be compatible between or among different source data systems. For example, data associated with installment loans could be stored on a mortgage system such as for a home equity installment loan; stored in a consumer lending system (e.g., HCLS); stored in one or more legacy systems; and/or stored in a small business systems. In this example, the structure and function of the business construct 104 takes into account the myriad source systems 106 associated with installment loans. It can be seen that the business construct 104 provides an interim integration step through SIF file definitions that map the source systems 106 to the SIF and that then integrate the business constructs 104 into the enterprise information platform 102. In certain embodiments, SIF files can be programmed to communicate data into an enterprise data exchange layer (“EDX”) 132 and store data derived from multiple business constructs 104 into product, line of business, or functional asset families. For example, a retail asset family could implicate business constructs 104 including revolving loans, installments loans, mortgages, overdraft loans, customers, mitigants, and loan applications. A similar relationship can be formed around wholesale assets, securitized assets, economic capital, or a variety of other classifications. It can be appreciated that the business constructs 104 can be used to more readily integrate data from the source data systems 106 into a data warehouse platform. Also, the business constructs 104 can be used to move data out of the platform 102 and construct “building blocks” for creating other data structures that satisfy the needs of end users.

In one example, suppose that the entity is a financial service provider that has acquired a new bank as part of its corporate structure. Source data systems 106 of the acquired bank may need to mapped just once to specific business construct SIF files with predefined business domain attributes. Once the business constructs 104 have been mapped, then the data of the acquired bank can be transformed into a standard set of information that the acquiring entity can use to describe its business operations. The effort required to load the data into the enterprise information platform 102, to generate integrated reporting, or to analyze the combined population of data can be substantially reduced. Once source data has been mapped to the business constructs 104, the data can be applied to pre-existing downstream processes of the acquiring entity, such as its data marts 108 or analytic engines 110. In various embodiments, only limited customization may be required in the event that the acquisition introduces or requires formation of a new business construct. For example, a unique product offering of the acquired entity may not be supported by the acquiring entity prior to the merger or acquisition.

It can be appreciated that business constructs 104 can be employed as tools that allow computer system architects to decompose complex enterprise data warehouse logical models into comparatively smaller and more streamlined component structures. With reference to FIG. 1, it can be seen that the enterprise information platform 102 can be constructed from multiple business constructs 104. Another benefit of various embodiments of business constructs 104 is that SIF files can be used to accelerate enterprise data governance processes. For example, the data attributes of existing SIF files can be used as the starting point for the definition of other business glossaries. The SIF files can also assist with efforts by different lines of business to reach consensus on standard business definitions and data quality rules or metrics.

In developing certain embodiments of the invention, the inventors have recognized that integrating data early in the data warehousing process has important benefits. Under prior practices, a traditional data warehousing process might have taken data from a data source, and then mapped the data to the data warehouse on an ad hoc source-by-source basis. In other words, each time a new, different data source needed to be introduced, that data source would have been specifically mapped directly to the target data warehouse. In contrast to this historical data mapping process, embodiments of the business construct 104 provide an interim stage for mapping data prior to loading the data into the data warehouse. Embodied as standard interface files, each of the business constructs can represent an entity or an object that is of importance to the corporate entity or other enterprise. It can be seen that the content and format of the business constructs 104 may be changed from industry to industry, or among different business lines, to accommodate different objects of each industry or whatever is important to that particular industry in terms of building the data warehouse. For example, business constructs 104 may be altered to reflect important objects in the automotive industry, for example, as compared to the financial services sector.

The content of each business construct 104 can be designed to include attributes surrounding a revolving loan, for example, and those attributes would be applicable and necessary for any bank or other financial institution that process data related to revolving loans. For example, a “revolving loan” business construct 104 might possess 100 attributes to which any source data system 106 can be mapped. At the stage when data are received and filtered into the revolving loans business construct 104, data can flow through the information architecture of any financial institution that process data associated with revolving loans. No other customization of computing system architecture is required beyond the introduction of additional business constructs 104 to accommodate new source data systems 106, for example. In operation, the business construct 104 can become a universal translator between the enterprise information platform 102 and source data systems 106 that include data relevant to the entity business object around which the business construct 104 has been created. The business construct 104 can include various attributes, or all attributes, common to an archetype of the entity business object on which the business construct 104 is based. In other words, the attributes of the object represented by the business construct 104 can be programmed to be commonly applicable to multiple versions of the same object across multiple corporate entities. In certain embodiments, one or more attributes of business constructs 104 can be determined by asset classes of a financial institution, for example, and/or a general subject area. The business constructs 104 may support one-to-one, one-to-many, and other entity relationships. In one example, a retail assets class may include a “customer” business construct 104, three “account” business constructs 104, and a “mitigant” business construct 104. The table shown in FIG. 6 demonstrates examples of how asset classes 602 can be related to retail account business constructs 604. Also, FIG. 7 schematically illustrates examples of attributes of a “customer” business construct and a “mitigant” business construct.

FIG. 8 includes an example that demonstrates how business constructs support data relationships within the entity. Once concern of technologists is to make sure that the entity relationship structures are preserved in a data warehouse. The diagram of FIG. 8 illustrates how customer data within the data warehouse needs to be related to potentially one or many loans, and a loan can be related to one or many types of collateral or other mitigants. The translation from banking data warehouse entity relationship structures to the building blocks represented by business constructions is necessary to understand in constructing appropriate entity relationships. As shown, the customer can have a mortgage, one or more credit cards, and one or more auto loans. Each one of the loans can have one or more pieces of associated collateral. Using business constructs, it can be seen which SIF files are needed to represent transactions or other activity of the customer in the data warehouse. With reference to FIG. 9, in another example, it can be seen how six mortgage source data systems 902 can be standardized in content and structure by using three business constructs 904. This example demonstrates that use of the business construct components 904 facilitates loading data into a data warehouse which may have different data concepts 906 such as arrangements, condition, product, involved party, resource item, and location, as shown.

The examples presented herein are intended to illustrate potential and specific implementations of the present invention. It can be appreciated that the examples are intended primarily for purposes of illustration of the invention for those skilled in the art. No particular aspect or aspects of the examples are necessarily intended to limit the scope of the present invention. For example, no particular aspect or aspects of the examples of system architectures, user interface layouts, or screen displays described herein are necessarily intended to limit the scope of the invention.

It is to be understood that the figures and descriptions of the present invention have been simplified to illustrate elements that are relevant for a clear understanding of the present invention, while eliminating, for purposes of clarity, other elements. Those of ordinary skill in the art will recognize, however, that these sorts of focused discussions would not facilitate a better understanding of the present invention, and therefore, a more detailed description of such elements is not provided herein.

Any element expressed herein as a means for performing a specified function is intended to encompass any way of performing that function including, for example, a combination of elements that performs that function. Furthermore the invention, as may be defined by such means-plus-function claims, resides in the fact that the functionalities provided by the various recited means are combined and brought together in a manner as defined by the appended claims. Therefore, any means that can provide such functionalities may be considered equivalents to the means shown herein.

In various embodiments, modules or software can be used to practice certain aspects of the invention. For example, software-as-a-service (SaaS) models or application service provider (ASP) models may be employed as software application delivery models to communicate software applications to clients or other users. Such software applications can be downloaded through an Internet connection, for example, and operated either independently (e.g., downloaded to a laptop or desktop computer system) or through a third-party service provider (e.g., accessed through a third-party web site). In addition, cloud computing techniques may be employed in connection with various embodiments of the invention. In certain embodiments, a “module” may include software, firmware, hardware, or any reasonable combination thereof.

Moreover, the processes associated with the present embodiments may be executed by programmable equipment, such as computers. Software or other sets of instructions that may be employed to cause programmable equipment to execute the processes may be stored in any storage device, such as, for example, a computer system (non-volatile) memory, an optical disk, magnetic tape, or magnetic disk. Furthermore, some of the processes may be programmed when the computer system is manufactured or via a computer-readable memory medium.

It can also be appreciated that certain process aspects described herein may be performed using instructions stored on a computer-readable memory medium or media that direct a computer or computer system to perform process steps. A computer-readable medium may include, for example, memory devices such as diskettes, compact discs of both read-only and read/write varieties, optical disk drives, and hard disk drives. A computer-readable medium may also include memory storage that may be physical, virtual, permanent, temporary, semi-permanent and/or semi-temporary.

A “computer,” “computer system,” “component,” or “processor” may be, for example and without limitation, a processor, microcomputer, minicomputer, server, mainframe, laptop, personal data assistant (PDA), wireless e-mail device, cellular phone, pager, processor, fax machine, scanner, or any other programmable device configured to transmit and/or receive data over a network. Computer systems and computer-based devices disclosed herein may include memory for storing certain software applications used in obtaining, processing, and communicating information. It can be appreciated that such memory may be internal or external with respect to operation of the disclosed embodiments. The memory may also include any means for storing software, including a hard disk, an optical disk, floppy disk, ROM (read only memory), RAM (random access memory), PROM (programmable ROM), EEPROM (electrically erasable PROM) and/or other computer-readable memory media. In various embodiments, a “host,” “engine,” “loader,” “filter,” “platform,” or “component” may include various computers or computer systems, or may include a reasonable combination of software, firmware, and/or hardware.

In various embodiments of the present invention, a single component may be replaced by multiple components, and multiple components may be replaced by a single component, to perform a given function or functions. Except where such substitution would not be operative to practice embodiments of the present invention, such substitution is within the scope of the present invention. Any of the servers described herein, for example, may be replaced by a “server farm” or other grouping of networked servers (e.g., a group of server blades) that are located and configured for cooperative functions. It can be appreciated that a server farm may serve to distribute workload between/among individual components of the farm and may expedite computing processes by harnessing the collective and cooperative power of multiple servers. Such server farms may employ load-balancing software that accomplishes tasks such as, for example, tracking demand for processing power from different machines, prioritizing and scheduling tasks based on network demand, and/or providing backup contingency in the event of component failure or reduction in operability.

In general, it will be apparent to one of ordinary skill in the art that various embodiments described herein, or components or parts thereof, may be implemented in many different embodiments of software, firmware, and/or hardware, or modules thereof. The software code or specialized control hardware used to implement some of the present embodiments is not limiting of the present invention. For example, the embodiments described hereinabove may be implemented in computer software using any suitable computer programming language such as .NET, SQL, MySQL, or HTML using, for example, conventional or object-oriented techniques. Programming languages for computer software and other computer-implemented instructions may be translated into machine language by a compiler or an assembler before execution and/or may be translated directly at run time by an interpreter. Examples of assembly languages include ARM, MIPS, and x86; examples of high level languages include Ada, BASIC, C, C++, C#, COBOL, Fortran, Java, Lisp, Pascal, Object Pascal; and examples of scripting languages include Bourne script, JavaScript, Python, Ruby, PHP, and Perl. Various embodiments may be employed in a Lotus Notes environment, for example. Such software may be stored on any type of suitable computer-readable medium or media such as, for example, a magnetic or optical storage medium. Thus, the operation and behavior of the embodiments are described without specific reference to the actual software code or specialized hardware components. The absence of such specific references is feasible because it is clearly understood that artisans of ordinary skill would be able to design software and control hardware to implement the embodiments of the present invention based on the description herein with only a reasonable effort and without undue experimentation.

Various embodiments of the systems and methods described herein may employ one or more electronic computer networks to promote communication among different components, transfer data, or to share resources and information. Such computer networks can be classified according to the hardware and software technology that is used to interconnect the devices in the network, such as optical fiber, Ethernet, wireless LAN, HomePNA, power line communication or G.hn. The computer networks may also be embodied as one or more of the following types of networks: local area network (LAN); metropolitan area network (MAN); wide area network (WAN); virtual private network (VPN); storage area network (SAN); or global area network (GAN), among other network varieties.

For example, a WAN computer network may cover a broad area by linking communications across metropolitan, regional, or national boundaries. The network may use routers and/or public communication links. One type of data communication network may cover a relatively broad geographic area (e.g., city-to-city or country-to-country) which uses transmission facilities provided by common carriers, such as telephone service providers. In another example, a GAN computer network may support mobile communications across multiple wireless LANs or satellite networks. In another example, a VPN computer network may include links between nodes carried by open connections or virtual circuits in another network (e.g., the Internet) instead of by physical wires. The link-layer protocols of the VPN can be tunneled through the other network. One VPN application can promote secure communications through the Internet. The VPN can also be used to separately and securely conduct the traffic of different user communities over an underlying network. The VPN may provide users with the virtual experience of accessing the network through an IP address location other than the actual IP address which connects the access device to the network.

The computer network may be characterized based on functional relationships among the elements or components of the network, such as active networking, client-server, or peer-to-peer functional architecture. The computer network may be classified according to network topology, such as bus network, star network, ring network, mesh network, star-bus network, or hierarchical topology network, for example. The computer network may also be classified based on the method employed for data communication, such as digital and analog networks.

Embodiments of the methods and systems described herein may employ internetworking for connecting two or more distinct electronic computer networks or network segments through a common routing technology. The type of internetwork employed may depend on administration and/or participation in the internetwork. Non-limiting examples of internetworks include intranet, extranet, and Internet. Intranets and extranets may or may not have connections to the Internet. If connected to the Internet, the intranet or extranet may be protected with appropriate authentication technology or other security measures. As applied herein, an intranet can be a group of networks which employ Internet Protocol, web browsers and/or file transfer applications, under common control by an administrative entity. Such an administrative entity could restrict access to the intranet to only authorized users, for example, or another internal network of an organization or commercial entity. As applied herein, an extranet may include a network or internetwork generally limited to a primary organization or entity, but which also has limited connections to the networks of one or more other trusted organizations or entities (e.g., customers of an entity may be given access an intranet of the entity thereby creating an extranet).

Computer networks may include hardware elements to interconnect network nodes, such as network interface cards (NICs) or Ethernet cards, repeaters, bridges, hubs, switches, routers, and other like components. Such elements may be physically wired for communication and/or data connections may be provided with microwave links (e.g., IEEE 802.12) or fiber optics, for example. A network card, network adapter or NIC can be designed to allow computers to communicate over the computer network by providing physical access to a network and an addressing system through the use of MAC addresses, for example. A repeater can be embodied as an electronic device that receives and retransmits a communicated signal at a boosted power level to allow the signal to cover a telecommunication distance with reduced degradation. A network bridge can be configured to connect multiple network segments at the data link layer of a computer network while learning which addresses can be reached through which specific ports of the network. In the network, the bridge may associate a port with an address and then send traffic for that address only to that port. In various embodiments, local bridges may be employed to directly connect local area networks (LANs); remote bridges can be used to create a wide area network (WAN) link between LANs; and/or, wireless bridges can be used to connect LANs and/or to connect remote stations to LANs.

In various embodiments, a hub may be employed which contains multiple ports. For example, when a data packet arrives at one port of a hub, the packet can be copied unmodified to all ports of the hub for transmission. A network switch or other devices that forward and filter OSI layer 2 datagrams between ports based on MAC addresses in data packets can also be used. A switch can possess multiple ports, such that most of the network is connected directly to the switch, or another switch that is in turn connected to a switch. The term “switch” can also include routers and bridges, as well as other devices that distribute data traffic by application content (e.g., a Web URL identifier). Switches may operate at one or more OSI model layers, including physical, data link, network, or transport (i.e., end-to-end). A device that operates simultaneously at more than one of these layers can be considered a multilayer switch. In certain embodiments, routers or other like networking devices may be used to forward data packets between networks using headers and forwarding tables to determine an optimum path through which to transmit the packets.

As employed herein, an application server may be a server that hosts an API to expose business logic and business processes for use by other applications. Examples of application servers include J2EE or Java EE 5 application servers including WebSphere Application Server. Other examples include WebSphere Application Server Community Edition (IBM), Sybase Enterprise Application Server (Sybase Inc), WebLogic Server (BEA), JBoss (Red Hat), JRun (Adobe Systems), Apache Geronimo (Apache Software Foundation), Oracle OC4J (Oracle Corporation), Sun Java System Application Server (Sun Microsystems), and SAP Netweaver AS (ABAP/Java). Also, application servers may be provided in accordance with the .NET framework, including the Windows Communication Foundation, .NET Remoting, ADO.NET, and ASP.NET among several other components. For example, a Java Server Page (JSP) is a servlet that executes in a web container which is functionally equivalent to CGI scripts. JSPs can be used to create HTML pages by embedding references to the server logic within the page. The application servers may mainly serve web-based applications, while other servers can perform as session initiation protocol servers, for instance, or work with telephony networks. Specifications for enterprise application integration and service-oriented architecture can be designed to connect many different computer network elements. Such specifications include Business Application Programming Interface, Web Services Interoperability, and Java EE Connector Architecture.

In various embodiments, computers and computer systems described herein may have the following main components: arithmetic and logic unit (ALU), control unit, memory, and input and output devices (I/O devices). These components can be interconnected by busses, often comprising groups of wires or cables. The control unit, ALU, registers, and basic I/O (and often other hardware closely linked with these sections) can be collectively considered a central processing unit (CPU) for the computer system. The CPU may be constructed on a single integrated circuit or microprocessor.

The control unit (control system or central controller) directs the various components of a computer system. The control system decodes each instruction in a computer program and turns it into a series of control signals that operate other components of the computer system. To enhance performance or efficiency of operation, the control system may alter the order of instructions. One component of the control unit is the program counter, a memory register that tracks the location in memory from which the next instruction is to be read.

The ALU is capable of performing arithmetic and logic operations. The set of arithmetic operations that a particular ALU supports may be limited to adding and subtracting or might include multiplying or dividing, trigonometry functions (sine, cosine, etc.) and square roots. Some may be programmed to operate on whole numbers (integers), while others use floating point to represent real numbers, for example. An ALU may also compare numbers and return Boolean truth values (e.g., true or false). Superscalar computers may contain multiple ALUs to facilitate processing multiple instructions at the same time. For example, graphics processors and computers with SIMD and MIMD features often possess ALUs that can perform arithmetic operations on vectors and matrices. Certain computer systems may include one or more RAM cache memories configured to move more frequently needed data into the cache automatically.

Examples of peripherals that may be used in connection with certain embodiments of the invention include input/output devices such as keyboards, mice, screen displays, monitors, printers, hard disk drives, floppy disk drives, joysticks, and image scanners.

Embodiments of the methods and systems described herein may divide functions between separate CPUs, creating a multiprocessing configuration. For example, multiprocessor and multi-core (multiple CPUs on a single integrated circuit) computer systems with co-processing capabilities may be employed. Also, multitasking may be employed as a computer processing technique to handle simultaneous execution of multiple computer programs.

In various embodiments, the computer systems, data storage media, or modules described herein may be configured and/or programmed to include one or more of the above-described electronic, computer-based elements and components, or computer architecture. In addition, these elements and components may be particularly configured to execute the various rules, algorithms, programs, processes, and method steps described herein.

While various embodiments of the invention have been described herein, it should be apparent, however, that various modifications, alterations and adaptations to those embodiments may occur to persons skilled in the art with the attainment of some or all of the advantages of the present invention. The disclosed embodiments are therefore intended to include all such modifications, alterations and adaptations without departing from the scope and spirit of the present invention as set forth in the appended claims. 

1. A system for processing data, the system comprising: an enterprise information platform including at least one processor and at least one business construct stored in a computer-readable medium of the enterprise information platform; at least one data mart in the enterprise information platform and supporting analytical requirements of a business function related to a corporate entity associated with the enterprise information platform; at least one analytic engine in the enterprise information platform operatively associated with the at least one data mart and implementing data derived from the at least one business construct to perform analyses related to the business function of the corporate entity; and wherein the at least one business construct is a standard interface file (“SIF”) that communicates data into an enterprise data exchange layer of the enterprise information platform and that comprises multiple attributes representing a business object of the corporate entity, wherein the attributes of the business object are commonly applicable to multiple versions of the same business object across multiple data sources; and wherein the at least one business construct maps data from at least one data source at an interim stage prior to loading the data into a data warehouse component operatively associated with the enterprise information platform; and wherein the at least one data mart supports generating reports associated with the business function of the corporate entity using the at least one business construct.
 2. The system of claim 1, wherein the enterprise information platform is further programmed to transmit data loaded by the business construct through at least one information architecture component associated with the business object of the corporate entity.
 3. The system of claim 1, wherein the at least one data source is a data source associated with a financial institution and the business construct translates the data in the at least one data source from banking data warehouse entity relationship structures of the financial institution to information structures that are standardized for the enterprise information platform.
 4. The system of claim 1, wherein the at least one business construct comprises attributes common to the business object of the corporate entity on which the business construct is based.
 5. The system of claim 1, wherein the at least one business construct comprises data associated with an asset class and the asset class is at least one of mitigants, revolving loans, installment loans, and mortgages.
 6. The system of claim 1, wherein the at least one business construct maps, organizes, and integrates organized and unorganized data managed by multiple data source systems that are independent of the enterprise information platform into a format for processing by at least one component operatively associated with the enterprise information platform.
 7. The system of claim 1, wherein the at least one data mart comprises SIF derived data related to functional asset classes.
 8. The system of claim 7, wherein the corporate entity is a financial services provider, and the at least one analytic engine performs calculations associated with the financial services provider.
 9. The system of claim 1, further comprising at least one staging standard interface file programmed as an interface between the enterprise information platform and one or more of a plurality of data sources that are independent of the enterprise information platform.
 10. The system of claim 1, wherein the corporate entity is a financial services provider and the at least one data source is associated with an entity that was previously acquired by the financial services provider.
 11. The system of claim 1, wherein the at least one business construct is a plurality of business constructs, and wherein the enterprise information platform receives data from a plurality of source data systems using the plurality of business constructs.
 12. The system of claim 11, wherein data stored in at least one of the source data systems is not compatible with data stored in at least one other different source data system.
 13. The system of claim 1, wherein the enterprise information platform is further programmed for communicating data into an enterprise data exchange layer for storing data derived from multiple business constructs in the at least one data mart based on a classification.
 14. The system of claim 13, wherein the classification is selected from the group consisting of product, line of business, and functional asset family.
 15. The system of claim 1, wherein the business object of the corporate entity is a business object in the financial services industry.
 16. The system of claim 1, wherein the business object of the corporate entity is an asset class of a financial institution.
 17. A method for development of a data warehouse comprising: defining at least one business construct as a standard interface file (“SIF”) having at least one predefined business domain attribute that represents a business object of a corporate entity, the at least one predefined business domain attribute of the business object being commonly applicable to multiple versions of the business object across multiple data sources; mapping data in a source data system of an entity independent of the corporate entity to the business construct at an interim stage prior to loading the data into a data warehouse component operatively associated with an enterprise information platform of the corporate entity, the data warehouse component comprising a non-transitory computer readable medium; transforming the data in the source data system into a standard set of information within the at least one business construct that describes business operations of the corporate entity; loading the data into the data warehouse component of the corporate entity; and applying the data to at least one pre-existing downstream process of the corporate entity.
 18. The method of claim 17, wherein applying the data to the pre-existing downstream process of the corporate entity comprises generating integrated reporting based on the at least one business construct.
 19. The method of claim 17, wherein the at least one business construct comprises at least one attribute of an asset class of a financial institution.
 20. The method of claim 17, wherein the at least one business construct comprises a single business construct, and the single business construct standardizes content from a plurality of source data systems. 